Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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The average insurance prices for a Mercury Mariner are $864 every 12 months for full coverage. Comprehensive insurance costs on average $148, collision costs $182, and liability insurance is estimated at $398. Liability-only insurance costs approximately $444 a year, with high-risk driver insurance costing $1,850 or more. Teens cost the most to insure at $3,454 a year or more.
Average premium for full coverage: $864
Policy rates by type of insurance:
Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Mariner models.
Price Range Variability
For the normal driver, Mercury Mariner insurance rates go from the cheapest price of $444 for your basic liability-only policy to the much higher price of $1,850 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates how geographic area affects car insurance rates.
The examples above show why everyone should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Mercury Mariner insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $527
- Choosing higher $1,000 deductibles can save around $76 a year
- The average price for a good driver age 40 with $500 deductibles is $864
- Selecting pricier low deductibles for comp and collision coverage costs an extra $140 a year
- High-risk insureds with serious driving violations could pay upwards of $1,850 or more
- Policy cost to insure a teen driver for full coverage may cost $3,454 each year
Auto insurance rates for a Mercury Mariner also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Mariner.
Choosing higher comprehensive and collision insurance deductibles can save as much as $220 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $421 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $3,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,000 to $1,500 in extra premium every year, depending on your age. Mercury Mariner insurance for high-risk drivers ranges anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Mercury Mariner insurance rates. A good driver about age 40 could pay as low as $570 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,230 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $780 | -$84 | -9.7% |
| Alaska | $664 | -$200 | -23.1% |
| Arizona | $714 | -$150 | -17.4% |
| Arkansas | $864 | -$0 | 0.0% |
| California | $982 | $118 | 13.7% |
| Colorado | $824 | -$40 | -4.6% |
| Connecticut | $886 | $22 | 2.5% |
| Delaware | $976 | $112 | 13.0% |
| Florida | $1,076 | $212 | 24.5% |
| Georgia | $798 | -$66 | -7.6% |
| Hawaii | $620 | -$244 | -28.2% |
| Idaho | $584 | -$280 | -32.4% |
| Illinois | $642 | -$222 | -25.7% |
| Indiana | $650 | -$214 | -24.8% |
| Iowa | $582 | -$282 | -32.6% |
| Kansas | $818 | -$46 | -5.3% |
| Kentucky | $1,178 | $314 | 36.3% |
| Louisiana | $1,278 | $414 | 47.9% |
| Maine | $534 | -$330 | -38.2% |
| Maryland | $712 | -$152 | -17.6% |
| Massachusetts | $686 | -$178 | -20.6% |
| Michigan | $1,498 | $634 | 73.4% |
| Minnesota | $724 | -$140 | -16.2% |
| Mississippi | $1,036 | $172 | 19.9% |
| Missouri | $766 | -$98 | -11.3% |
| Montana | $926 | $62 | 7.2% |
| Nebraska | $678 | -$186 | -21.5% |
| Nevada | $1,036 | $172 | 19.9% |
| New Hampshire | $622 | -$242 | -28.0% |
| New Jersey | $966 | $102 | 11.8% |
| New Mexico | $762 | -$102 | -11.8% |
| New York | $908 | $44 | 5.1% |
| North Carolina | $498 | -$366 | -42.4% |
| North Dakota | $708 | -$156 | -18.1% |
| Ohio | $594 | -$270 | -31.3% |
| Oklahoma | $884 | $20 | 2.3% |
| Oregon | $792 | -$72 | -8.3% |
| Pennsylvania | $822 | -$42 | -4.9% |
| Rhode Island | $1,152 | $288 | 33.3% |
| South Carolina | $782 | -$82 | -9.5% |
| South Dakota | $728 | -$136 | -15.7% |
| Tennessee | $754 | -$110 | -12.7% |
| Texas | $1,040 | $176 | 20.4% |
| Utah | $638 | -$226 | -26.2% |
| Vermont | $590 | -$274 | -31.7% |
| Virginia | $514 | -$350 | -40.5% |
| Washington | $666 | -$198 | -22.9% |
| West Virginia | $792 | -$72 | -8.3% |
| Wisconsin | $596 | -$268 | -31.0% |
| Wyoming | $768 | -$96 | -11.1% |
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $826 | $69 |
| Mercury Mariner Premier 2WD | $842 | $70 |
| Mercury Mariner AWD | $842 | $70 |
| Mercury Mariner Hybrid 2WD | $976 | $81 |
| Mercury Mariner Premier AWD | $858 | $72 |
| Mercury Mariner Hybrid AWD | $994 | $83 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mariner | $152 | $202 | $402 | $892 |
| 2009 Mercury Mariner | $148 | $182 | $398 | $864 |
| 2008 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2006 Mercury Mariner | $132 | $160 | $380 | $808 |
| 2005 Mercury Mariner | $126 | $152 | $376 | $790 |
Rates are averaged for all Mercury Mariner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Mercury Mariner Insurance
Finding cheaper rates on Mercury Mariner insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.
The following list is a review of the data presented in the illustrations above.
- Drivers who require an increased level of liability coverage will pay approximately $440 each year to raise limits from a 30/60 limit to a 250/500 level
- Drivers can save as much as $100 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Drivers age 16 to 20 are charged the highest rates, costing up to $288 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,454 |
| 20 | $1,962 |
| 30 | $878 |
| 40 | $864 |
| 50 | $794 |
| 60 | $778 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,004 |
| $250 | $940 |
| $500 | $864 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $864 |
| 50/100 | $1,088 |
| 100/300 | $1,205 |
| 250/500 | $1,509 |
| 100 CSL | $1,134 |
| 300 CSL | $1,392 |
| 500 CSL | $1,579 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,864 |
| 20 | $3,126 |
| 30 | $1,866 |
| 40 | $1,850 |
| 50 | $1,766 |
| 60 | $1,750 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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